1. Is it true that the credit card is overdue for on-site investigation and evidence collection? It may be true. Although many banks and institutions seldom come to the door, it does not mean that they will not go to the door. It is still possible to go to the debtor's household registration to understand the situation, including visiting with the village Committee. At the same time, however, there are rules for collecting evidence at home, for example, you can't collect it by violent means. However, the general credit card overdue door-to-door evidence collection will basically not happen. Generally, after the overdue, the bank will call for collection or upload it to the credit information center. If the cardholder is still indifferent or refuses to repay, the bank will sue the cardholder, and after the court's judgment, the cardholder needs to repay according to the judgment.
2. What should I do if my credit card is overdue? 1. Use the minimum repayment function. Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. However, the minimum is to charge interest, five ten thousandths of interest every day, so it is only necessary to pay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome and can only be used for temporary delay. 2. Use the minimum repayment function. If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide the ability of installment 3, 6, 9, 12, 18 and 24, and you can choose the number of installments according to your repayment ability, which can alleviate the repayment pressure and will not affect your credit. 3. Change the billing date to extend the repayment period. The billing time can't be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once. 4. Actively negotiate with the bank to explain the situation. If you really can't pay it back for a while because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious, and there are indeed reasons. Discuss whether you can delay the repayment, and don't ignore the bank by changing your phone, so that your personal credit will be lost unless you don't deal with the bank in the future. The intensive collection of most online lending platforms will be concentrated within half a year. If it is more than half a year, it is a difficult object. The borrower's reputation is damaged, so he can't enjoy basic credit services, and he can't get credit products with good personal credit when he encounters urgent capital turnover in the future. For the specific solution, please click the consultation button below to communicate with the lawyer one-on-one and get the "solution".